Sophie Says

Compared with my overdraft, this came out cheaper for a short period, and the application was less fuss than my bank's form. Money reached my account the next working day. Repayments come out on the date they say they will.

I bought a short-term loan after comparing three different lenders, and this one had the clearest breakdown of costs. The application asked fewer questions than the others and I was approved in under an hour. The money arrived the same day. I'd pick this one again.

I'd been borrowing from them for a while so I knew how it worked, and this time I needed a bit of cash before payday for the car insurance renewal that came out of nowhere. Applied on my phone in the evening, money was in my account by lunchtime the next day. Repayment dates were clear and the reminder texts came in handy. Fees were fair for what it was, nothing to moan about.

I needed a bit extra for a train ticket home after my shift got moved and I was skint. Did the whole thing on my phone in bed, which was great. Money was in my account by the morning and the repayment date is clear in the app. Easy, will use again if I'm stuck.

The fee on the short loan was lower than what the other sites quoted me for the same amount, which is why I went with them. Signing up took about ten minutes and the cash hit my account the same afternoon. Nothing else to report, it did the job.

Easy to use and they've never let me down, I've borrowed from them a few times now. Application was straightforward and I got a reply the same day. Money goes in quickly and paying back is simple through the account page. Sorted.

I used the short-term loan to cover a bill I'd forgotten about, and the approval itself was quick enough. Where it fell down was when I went to pay the first instalment, the app kept showing an error and I had to ring up twice before anyone could sort it. The money was fine but the repayment side felt badly put together and I had to chase it.

The first thing that struck me was how simple the app was to use, even for someone who isn't very comfortable with technology. I set up my account and applied for a small loan in one sitting. The money came through on the same day, and the reminder before each payment was a helpful touch. I have no complaints about the process at all.

I needed some money quick to cover rent after my hours got cut. Signed up on the site in the evening and got a decision by morning. The money reached my account before lunch and I've paid the first bit back already. Really glad I found them.

Got a short loan to pay for my new phone contract top up. App's easy, didn't have to send loads of docs. Money came through fast and repayment was dead simple.

I've been borrowing from them on and off for about four years now, so I know the routine by heart. The app is still my favourite way to apply, and I can see my repayment dates without ringing anyone. The only thing that's changed is they now ask for a selfie as well as my payslips, which added a few minutes to my last application but didn't put me off. The money landed the same day as usual.

The first thing I noticed was the repayment calendar they send through, with every date and amount laid out in one place. I've used them a few times now over the years and it's always been the same, easy to follow. I like knowing exactly what's going out and when, and I've never had a nasty surprise. Signing in to check the balance is quick too.

Honestly it's the cheapest option I found and it did exactly what I needed. Ordered on a Monday, had it by Wednesday. Customer service answered my one question within the hour. Good value all round.

I signed up for a short-term loan to cover a bill, and the initial application took rather longer than I was led to believe. A few of the questions about my income needed rechecking and I had to upload a second document before it would go through. Once approved the money came through the next working day and the repayment schedule is clear enough. It's fair value, though I found the process more fiddly than I would have liked.

Needed the money for a van repair that couldn't wait, so I went with them again. Quick form, quick yes, cash landed the same day. Been using them on and off for years and never had a problem.

Compared with the high street lenders I looked at, the fees here were a fair bit lower for the same amount. Application was quick and the money came through the next day. Nothing about it felt like a trap, the terms were laid out plainly. Good value for what I needed.

I would say this is a very pleasant company to deal with, and I've found them polite and patient throughout. I borrowed a short-term amount last year to cover an unexpected bill and I had no trouble with the form, which I completed at my kitchen table without needing help from my son. The money came through promptly and the costs were set out plainly beforehand. I shan't hesitate to use them again should the need arise.

I'd tried one of the big payday names before and this site was less hassle to get through, the form took about five minutes and I didn't have to upload loads of documents. The money was in my account by the next morning. The only thing I'd flag is the interest works out a bit higher than I'd hoped, but it's still cheaper than what I'd been quoted elsewhere.

I'd been using my bank's own short-term option before, and this was quicker to set up and the money landed in my account the same afternoon, which the bank never managed. Application took maybe ten minutes on my phone. Repayment dates are shown clearly on the app so nothing caught me out. Would use again.